Side-by-side · Q2 2026 data
Farmers & Merchants Bank of Craig County vs Jackson River Community Credit Union
Bank
Farmers & Merchants Bank of Craig County
New Castle, Virginia · Under $100 million in assets
Credit union
Jackson River Community Credit Union
Covington, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Farmers & Merchants Bank of Craig County | Jackson River Community Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 87 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 53 |
| Earnings | 73 | 100 (stronger) |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 92nd | 91st |
| Total assets | $93.0M | $132.6M |
| Deposits / shares | $76.8M | $111.4M |
| Capital ratio | 16.87% (stronger) | 15.90% |
| Problem loans | 0.00% (stronger) | 1.41% |
| Net charge-offs | 0.00% (stronger) | 0.67% |
| Return on assets | 1.31% | 2.42% (stronger) |
| Loans ÷ deposits | 78.8% | 48.1% (stronger) |
| Uninsured deposits | 10.2% | 3.5% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.6% | — |
Farmers & Merchants Bank of Craig County has the higher TellerScore (92 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank of Craig County leads on 4 and Jackson River Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.